It does seem, like the status quo, may be the solution, for now. You mention that your H, has informed you of just how the Debt would be distributed, were you to divorce. Was that talk, something you'd mentioned to him, or was that in a moment of N, where he vocalized, if you leave me, you will get half the debt moment.

I am not sure about the laws where you are. In the States, who owes what debts can be contested.